Which of the following is not typically included as liability coverage in the businessowners policy?

The reason professional liability is not typically included as liability coverage in a businessowners policy is that this type of coverage is specifically designed to protect businesses against claims arising from professional services, including errors and omissions. A businessowners policy (BOP) generally provides coverage for general liability, which covers bodily injury, property damage, and personal injury claims, as well as product liability coverage for businesses that manufacture or sell products.

While employment practices liability can sometimes be added to a BOP, it is not the standard. Professional liability must often be purchased separately as part of a specialized policy tailored to professionals such as doctors, lawyers, or consultants, who may face unique risks associated with their professional services. Thus, understanding the distinctions between these types of coverage helps businesses recognize their insurance needs and identify when additional policies are necessary to ensure comprehensive protection.